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CVB Financial Corp. CVBF R2K

Financial Services · Banks - Regional · United States
https://www.cbbank.com

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

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$20.36
+13.12% 1Y

Market & Price

Market Cap
$3.59B
Current Price
$20.36
High / Low (52W)
$21.21 / $17.42
Beta
0.67

Valuation

Stock P/E
13.31
Industry PE
12.01
Forward P/E
10.81
PEG Ratio
1.47
Book Value
$17.09
Price to Book
1.19
P/S
6.92
EV/EBITDA
-
Dividend Yield
3.93%

Profitability & Returns

ROCE
-
ROE
9.20%
ROA
1.36%
Profit Margin
40.28%
Op Margin
54.62%
EPS (Latest Qtr)
$0.38
EPS (TTM)
$1.53

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.05B
Total Assets
$15.63B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.10%
Chg in Prom Hold
-
FII / Inst Holding
66.48%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$4.18B
Total Revenue (TTM)
$519.40M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$241.92M
Shares Outstanding
176.46M
Gross Margin
0.00%
Payout Ratio
52.29%

Growth (CAGR)

Revenue 5Y
-2.30%
Profit 5Y
-3.85%
Revenue (YoY)
0.30%
Earnings (YoY)
4.40%

PROS

  • Excellent profit margin of 40.3%.
  • Attractive dividend yield of 3.93%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -2.3% CAGR over 5 years.
  • Earnings shrank at -3.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CVBF CVB Financial Corp. R2K 20.36 13.31 $3.59B 3.93% - 9.20% -2.30% -3.85%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------126.67M126.35M128.58M133.85M132.12M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------32.56M32.60M34.53M33.32M31.27M
Pretax Income -----------------------------------69.53M68.80M69.01M74.36M68.55M
Tax Provision -----------------------------------18.43M18.23M16.42M19.32M17.55M
Net Income 27.89M28.61M23.39M25.51M25.45M27.08M28.50M28.37M29.68M17.85M34.91M35.37M38.56M43.16M51.64M54.48M50.42M51.28M37.98M41.63M47.49M50.06M63.89M51.18M49.75M45.56M59.06M64.64M59.27M55.77M57.89M48.60M50.03M--51.10M50.56M52.59M55.04M51.00M
Diluted EPS 0.260.270.220.230.230.250.260.260.270.160.320.320.300.310.370.390.360.370.270.310.350.370.470.380.370.310.420.460.420.400.420.350.36--0.360.360.380.400.38

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------552.78M547.32M475.92M515.46M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------9.15M118.34M182.76M133.01M
Pretax Income -------------328.35M315.43M271.24M281.69M
Tax Provision -------------92.92M94.00M70.52M72.39M
Net Income 65.42M62.94M81.73M77.28M95.61M104.02M99.14M101.43M104.41M152.00M207.83M177.16M-235.43M221.44M200.72M209.30M
Diluted EPS 0.560.590.770.740.910.980.930.940.951.241.481.30-1.671.591.441.52

Compounded Sales Growth

5 Years:-2.30%
1 Year:0.30%

Compounded Profit Growth

5 Years:-3.85%
1 Year:4.40%

Stock Price Performance

1 Year:+13.12%
6 Months:+2.79%
3 Months:+6.98%
1 Month:+0.59%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -6.74B6.44B6.48B6.36B6.66B7.38B7.67B8.07B8.27B11.53B11.28B14.42B-16.48B16.02B15.15B15.63B
Current Assets ------------------
Cash & Equivalents 95.30M103.25M404.27M345.34M98.43M94.69M105.77M106.10M121.63M144.38M163.95M185.52M1.96B-213.01M289.50M205.18M389.45M
Inventory ------------------
Receivables --------------46.69M48.99M45.72M46.72M
Total Liabilities --5.79B5.77B5.60B5.89B6.50B6.75B7.08B7.20B9.68B9.29B12.41B-14.53B13.94B12.97B13.34B
Current Liabilities ------------------
Long Term Debt ---450.00M200.00M-------------
Total Debt --------------995.00M2.07B500.00M500.00M
Total Equity 614.89M638.23M643.86M714.81M762.97M771.89M878.11M923.40M990.86M1.07B1.85B1.99B2.01B-1.95B2.08B2.19B2.30B
Shares Outstanding --------------139.82M139.34M139.69M135.55M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 66.67M102.86M130.02M154.76M111.81M--124.53M138.41M164.95M208.18M185.10M-273.73M295.63M249.76M221.41M
Investing Cash Flow 561.81M550.43M-86.66M-221.09M-378.46M---154.02M140.03M811.08M325.32M-1.27B--1.18B536.28M852.75M-210.31M
Financing Cash Flow -620.52M-352.28M-102.29M-180.59M262.91M--45.02M-255.70M-956.46M-511.94M2.86B--625.85M-754.08M-1.18B160.59M
Capital Expenditure -4.16M-6.71M-1.68M-4.27M-2.42M-1.89M-1.87M-12.62M-4.89M-4.19M-5.52M-4.67M--5.36M-4.52M-5.13M-4.07M
Free Cash Flow 62.51M96.15M128.34M150.49M109.39M--111.92M133.52M160.76M202.66M180.42M-268.37M291.11M244.63M217.34M
Net Change in Cash --------------1.53B77.82M-76.59M171.69M
Share Buybacks -5.17M12.53M54.00K559.00K5.47M834.00K1.91M1.13M7.76M2.64M92.77M8.34M46.33M21.22M2.82M81.12M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------42.6%40.5%42.2%40.6%
ROE % 10.3%9.8%11.4%10.1%12.4%11.8%10.7%10.2%9.8%8.2%10.4%8.8%-12.1%10.7%9.2%9.1%
ROCE % -----------------

Shareholding Pattern

Insiders
5.10%
Institutions
66.48%
Public Float
70.06%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.78% 19.03M $387.38M
2 State Street Corporation 4.51% 7.96M $161.99M
3 Vanguard Portfolio Management LLC 4.47% 7.89M $160.65M
4 Dimensional Fund Advisors LP 4.31% 7.61M $155.01M
5 FMR, LLC 4.22% 7.44M $151.50M
6 Vanguard Capital Management LLC 3.22% 5.69M $115.82M
7 Charles Schwab Investment Management, Inc. 2.61% 4.60M $93.62M
8 Parallel Advisors, LLC 2.07% 3.66M $74.48M
9 Geode Capital Management, LLC 1.86% 3.28M $66.82M
10 Silvercrest Asset Management Group, LLC 1.34% 2.36M $48.05M

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